Credit union · NCUA insured
MemberSource Credit Union Savings Rates
Top CarrotMemberSource Credit Union’s best savings rate is 0.15% APY on $10,000, with its Money Market Plus. Rates checked October 16, 2026.
How MemberSource Credit Union’s savings rates compare
Compared with banks and credit unions near Houston, TX, where MemberSource Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
MemberSource Credit Union
0.15%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $15
Money Market Plus
Top rate
Heritage Hub Federal Credit Union
5.13%APY
- Minimum
- —
- Earns on $10,000 a year
- $513
2nd-highest rate
Nizari Credit Union
4.00%APY
- Minimum
- —
- Earns on $10,000 a year
- $400
MemberSource Credit Union savings score
67
Savings score
Higher than 18% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.30%
- QualifiedQualified0.15%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where MemberSource Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Plus
0.15%APY
Rate is adjusted each Monday based on the leading Money Fund average as published in the Wall Street Journal. A $25 fee will be assessed if the balance falls below $2,500.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $2,500 | 0.00% | — |
| $2,500 – $5,000 | 0.05% | — |
| $5,000 – $10,000 | 0.10% | — |
| $10,000 – $25,000 | 0.15% | $15 |
| $25,000 – $50,000 | 0.20% | — |
| $50,000 – $100,000 | 0.25% | — |
| $100,000 and up | 0.30% | — |
Sources (3)
- membersourcecu.org/savings-rates
- membersourcecu.org/deposits
- membersourcecu.org/deposits/savings-accounts
All captured Oct 6, 2026
Regular Share Savings
0.10%APY
Basic account to become a credit union member. $5 is your membership share. Dividends are paid and compounded monthly.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $5,000 | 0.10% | — |
| $5,000 – $25,000 | 0.10% | $10 |
| $25,000 and up | 0.10% | — |
Special-purpose accounts
Educational IRA
0.25%APY
Education IRA / Coverdell savings for higher education expenses.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Sources (3)
- membersourcecu.org/wp-content/…04/sav-and-inv-accts.pdf
- membersourcecu.org/savings-rates
- membersourcecu.org/deposits/savings-accounts
All captured Oct 6, 2026
Roth Money Fund IRA
0.25%APY
Tax-free Roth Money Fund IRA option.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Sources (3)
- membersourcecu.org/wp-content/…04/sav-and-inv-accts.pdf
- membersourcecu.org/savings-rates
- membersourcecu.org/deposits/savings-accounts
All captured Oct 6, 2026
Christmas Club
0.15%APY
In November, funds are automatically transferred to regular Savings Account. There is a $10 fee for withdrawals between February 1st and November 1st.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 and up | 0.15% | $15 |
IRA Savings
0.15%APY
IRA Savings / IRA Accumulation Account allows lump sum deposit or regular contributions through payroll deduction.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.15% | $15 |
Sources (3)
- membersourcecu.org/wp-content/…04/sav-and-inv-accts.pdf
- membersourcecu.org/savings-rates
- membersourcecu.org/deposits/savings-accounts
All captured Oct 6, 2026
WILD Savings
0.10%APY
Youth savings account for kids 10 and under.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $5,000 | 0.10% | — |
| $5,000 – $25,000 | 0.10% | $10 |
| $25,000 and up | 0.10% | — |
Sources (3)
All captured Oct 6, 2026
Closed to new customers
Money Market
0.05%APY
This account is no longer available for opening. Disclosed rates are for existing Money Market accounts only.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $100 – $1,000 | 0.01% | — |
| $1,000 and up | 0.05% | $5 |
Sources (1)
- membersourcecu.org/savings-rates · captured Oct 6, 2026
Who can join MemberSource Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Individuals may be eligible to join MemberSource Credit Union through their employer or Select Employee Group (SEG).
Cost to join
- Opening a savings account requires a $5 deposit.
Membership information collected October 5, 2026.